Market insights

Consequential Debt: The Risk No One Talks About For years we’ve been told there’s good debt and bad debt. Good debt, apparently, is leverage. Debt secured against property that allows you to grow a portfolio, recycle your cash, remortgage repeatedly, and “never sell the asset”. Bad debt is everything else. It’s a neat idea. It’s also dangerously incomplete. Because debt itself isn’t good or bad. Debt is neutral. What matters is what happens to that debt when conditions change

Where Are We Now? Let’s start with the obvious: Most landlords already know the pressure they’re under. They can feel the squeeze. They can see the shift. And many of them, whether they admit it or not, know something bigger is happening underneath the surface. Because the truth is this: We are not just dealing with higher rates, more regulation, or tighter margins. We are dealing with a complete change in the direction of travel. For the first time in decades, the environmen